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Avoid This Mistake Unless You Want to be Triple-Charged For Your Next BART Ride

Lafayette, California – If you’re a longtime BART rider, you know that the transit system just made a major change.

You no longer need to purchase a physical or even digital Clipper card. Anyone can tap a credit card at the fare gate in order to access BART.

Newly installed, fare evasion resistant turnstiles at Embarcadero BART station in San Francisco, California, February 21, 2025. (Photo by Smith Collection/Gado)

It’s a great convenience factor, and it’s fantastic for your out-of-town guests who might not know how to use the Clipper system. But according to BART, this new convenience comes with a potential risk.

Here’s a sign about it:

Clipper Card Instructions~~A-frame sign with Clipper card instructions beside accessible fare gate at a transit station, San Francisco, California

Lots of BART riders – myself included – have long accessed BART by quickly mashing our entire wallets on the card reader. When the reader was configured to only read Clipper cards, this worked great. Even if my Clipper card was buried deep inside my wallet, the reader would pick up its signal and let me through.

Close-up of Clipper contactless fare reader at BART station showing credit card and mobile payment options, following introduction of direct card payment, Lafayette, California, August 29, 2025. (Photo by Smith Collection/Gado)

Now that the reader accepts credit cards in addition to Clipper cards, though, the technique of “mash your wallet or purse on the reader and hope for the best” could result in you being double or even triple charged for your next BART ride.

Why is that? If you tap your whole wallet or bag on the reader, there’s a risk that it will pick up multiple credit cards at the same time.

It will then register as if you entered BART several times—once on each card. It’s called “card clash” and it’s a documented issue.

Interior of Embarcadero BART station with empty marble concourse, escalators and ticket gates, San Francisco, California, August 14, 2025. (Photo by Smith Collection/Gado)

When you fail to scan all of the same cards upon exiting the system, BART’s automated payment system might flag you for having missed the exit scan, or might even think that you jumped the turnstile and didn’t pay.

All the cards you mistakenly scanned with that single tap could then potentially end up getting charged a fee—or even a fine for misuse.

Installation crew adjusting new BART fare gates on a sunny afternoon, Lafayette, California, February 21, 2025. (Photo by Smith Collection/Gado)

BART says they’re actively taking steps to prevent this from happening, and they’ve posted prominent signs around several stations explaining the potential error, as you can see at the Lafayette, California station above.

Close-up of BART train arriving at station platform on a sunny day, Lafayette, California, June 7, 2024. (Photo by Smith Collection/Gado)

Luckily, there’s a simple way to avoid being charged multiple times. Instead of tapping your whole wallet or bag on the Clipper card reader, simply take out a single card—Clipper card or credit card—and tap it once. When you exit, remember to tap the same card at the exit gate.

The same advice applies if you have a cell phone wallet that holds credit cards on the back of your phone. If you try to pay with Apple Pay while cards are resting alongside your phone, they could inadvertently be charged.

Again, just make sure to tap a single card at a time, and you can avoid this expensive fate!

Thomas Smith

Thomas Smith is a food and travel photographer and writer based in the San Francisco Bay Area. His photographic work routinely appears in publications including Food and Wine, Conde Nast Traveler, and the New York Times and his writing appears in IEEE Spectrum, SFGate, the Bold Italic and more. Smith holds a degree in Cognitive Science (Neuroscience) and Anthropology from the Johns Hopkins University.

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